4 ms·

while employed Premiums = $0. while unemployed, premiums = $3600/year for $0 deductibles for private insurance. would you rather pay 10% of your income in highe

while employed Premiums = $0. while unemployed, premiums = $3600/year for $0 deductibles for private insurance. would you rather pay 10% of your income in higher taxes like so-called universal healthcare providing countries maintain?

viciousvoxel 3y ago
Yes, personally. Instead of my employer paying for my healthcare (and that being factored into base salary), I would rather receive that money as salary and pay higher taxes. The idea of employers paying for health insurance in the US only came about in the first half of the last century as a way for companies to attract employees without having to raise/compete on salary.
verall 3y ago
Can you give me a link or reference to this incredible $3600/year for $0 deductables insurance? That's cheaper than I pay with my employer covering most of my healthcare. That could be literally lifesaving for friends of mine who currently have to choose between paying about $800/month for insurance with deductables or going without.
- heavyset_go 3y ago
  One look at the individual market for insurance shows that you will be paying many times the quoted figure if you want insurance that you can actually use, and you will have $8k deductibles and higher out-of-pocket maximums with cheaper insurance.
  - verall 3y ago
    It's just completely BS then? Looks like it's plenty upvoted too.
    - bdcravens 3y ago
      Yes. As for upvotes, chalk it up to the bias against "socialized" medicine.
viknesh 3y ago
This is such a short-sighted take. Who do you think pays for your $0/year premiums? You do, through reduced wages. The main difference between US healthcare and socialized health care is that in the US, nobody is responsible for lowering healthcare costs... and so they go up. Why do you think PE loves buying up healthcare facilities?
bdcravens 3y ago
The premiums are nowhere near that cheap. I have the best insurance policy my employer offers, where I have a $250 annual out of pocket max. I pay an additional $230/mo for the coverage over their base plan; I pay $900/mo to add my wife to the plan. I'm just one datapoint, and there may be better plans out there, but you're presenting an alternative that doesn't exist for 95% of Americans.
- bdcravens 3y ago
  Correction: Deductible $250, out of pocket maximum $1500
reaperman 3y ago
These numbers are pretty far off for me. I have: - $4,000 deductible - $8,000 Out of pocket max - $1,800/year premiums while employed, $7,200/year premiums on COBRA if unemployed. On an $80,000/year salary.

viciousvoxel 3y ago

Yes, personally. Instead of my employer paying for my healthcare (and that being factored into base salary), I would rather receive that money as salary and pay higher taxes. The idea of employers paying for health insurance in the US only came about in the first half of the last century as a way for companies to attract employees without having to raise/compete on salary.

verall 3y ago

Can you give me a link or reference to this incredible $3600/year for $0 deductables insurance? That's cheaper than I pay with my employer covering most of my healthcare. That could be literally lifesaving for friends of mine who currently have to choose between paying about $800/month for insurance with deductables or going without.

heavyset_go 3y ago
One look at the individual market for insurance shows that you will be paying many times the quoted figure if you want insurance that you can actually use, and you will have $8k deductibles and higher out-of-pocket maximums with cheaper insurance.
- verall 3y ago
  It's just completely BS then? Looks like it's plenty upvoted too.
  - bdcravens 3y ago
    Yes. As for upvotes, chalk it up to the bias against "socialized" medicine.

viknesh 3y ago

This is such a short-sighted take. Who do you think pays for your $0/year premiums? You do, through reduced wages. The main difference between US healthcare and socialized health care is that in the US, nobody is responsible for lowering healthcare costs... and so they go up. Why do you think PE loves buying up healthcare facilities?

bdcravens 3y ago

The premiums are nowhere near that cheap. I have the best insurance policy my employer offers, where I have a $250 annual out of pocket max. I pay an additional $230/mo for the coverage over their base plan; I pay $900/mo to add my wife to the plan. I'm just one datapoint, and there may be better plans out there, but you're presenting an alternative that doesn't exist for 95% of Americans.

bdcravens 3y ago
Correction: Deductible $250, out of pocket maximum $1500

reaperman 3y ago

These numbers are pretty far off for me. I have: - $4,000 deductible - $8,000 Out of pocket max - $1,800/year premiums while employed, $7,200/year premiums on COBRA if unemployed. On an $80,000/year salary.